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Health Insurance Made Easy

   Customisable plans

   Anywhere in the world

   Covered means covered

   Highest levels of service

   Unbeatable value for money

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Experience you can trust

Founded in Hamburg in 1875, HanseMerkur is Germany’s second oldest insurance company. Beginning with modest roots, we have grown into one of the most respected and trusted independent insurers in Europe, and our global reputation continues to expand as our business develops. Today, HanseMerkur is recognised worldwide as a symbol of quality, exceptional service, and customer satisfaction.

Telehealth

Are you tired of waiting for hours or even days to schedule an appointment with a doctor, only ...

Social Responsibility

As a traditional Hanseatic company, we also contribute to social capital and engage in various ...

Global Direct Billing

As the world becomes increasingly interconnected and people are more geographically mobile, it ...

Community Rating

Reduced risk and increased certainty make it easy to renew year after year without the need to ...

Differentiators

1. Service

In the premium segment of the health insurance market, you expect access to the highest calibre of medical professionals, providers, and healthcare services—and we guarantee that.

What distinguishes us is our steadfast commitment to the level and quality of service and support we provide to all our clients.

“We consider customer service to be the experience we deliver and an opportunity to exceed expectations. This philosophy underpins everything we do.”

2. Clarity & Transparency

Our aim is to provide clarity and transparency, ensuring that benefits and terms are easy to understand. This gives you the confidence of knowing exactly what is covered and the peace of mind that you can fully utilise and access the services you have paid for.

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3. Reduced Risk & Increased Certainty

A well-managed portfolio results in consistently low renewal increases. All policies covering up to 70 lives are pooled together (community-rated), ensuring that if a member develops or suffers from any serious or costly medical condition, it will not result in punitive price increases at renewal.

4. Value for Money

HanseMerkur is a mutual thus not driven by shareholder greed, which means the quality and level of cover along with the service provided at a regional level, for the money, are unparalleled.

Hand in Hand is HanseMerkur

Working closely alongside our advertising campaign is a deeply human principle. With mutual support—working hand in hand—everything simply functions better.

As a mutual insurance company, we have long recognized the power of community and the benefits of achieving more together. That is why we emphasise this message and place “Hand in hand is HanseMerkur” at the heart of our campaign.

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Exclusive Partnership with HSV Football Club

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Social Responsibility

We are convinced that, as a company and particularly as a personal insurer, we have a social responsibility. For this reason, we have been supporting various projects in the fields of social affairs, culture, sport, and science for decades.

Child protection and youth development are central to our identity and are reflected in numerous initiatives. Under the motto “Care for Children is Provision for the Future,” the HanseMerkur Prize for Child Protection, the oldest social prize in Germany, has gained considerable recognition after nearly four decades of existence.